| Metric | Railway Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +3.9% | +5.3 pts |
| Share growth (YoY) | +9.6% | +3.3% | +6.3 pts |
| Loan growth (YoY) | +8.3% | +2.9% | +5.4 pts |
| ROA | 0.84% | 0.69% | +0.1 pts |
| ROE | 6.9% | 5.9% | +0.9 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $207.3M | $180.7M | $147.4M | $25.1M | $433K | 0.84% | 3.28% | 0.21% | 8,588 |
| Q4 2025 | $199.4M | $172.4M | $142.9M | $24.7M | $1.7M | 0.85% | 3.12% | 0.52% | 8,449 |
| Q3 2025 | $194.0M | $168.0M | $138.9M | $24.4M | $1.3M | 0.90% | 3.14% | 0.38% | 8,419 |
| Q2 2025 | $191.4M | $166.1M | $138.0M | $24.0M | $862K | 0.90% | 3.10% | 0.42% | 8,406 |
| Q1 2025 | $189.8M | $164.8M | $136.1M | $23.6M | $521K | 1.10% | 3.02% | 0.66% | 8,387 |
| Q4 2024 | $188.4M | $163.9M | $135.7M | $23.1M | $1.3M | 0.71% | 2.68% | 1.14% | 8,389 |
| Q3 2024 | $187.5M | $163.5M | $135.6M | $22.9M | $996K | 0.71% | 2.61% | 0.82% | 8,343 |
| Q2 2024 | $182.6M | $159.2M | $133.1M | $22.6M | $691K | 0.76% | 2.66% |
| Ratio | Railway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 8,289 |
Loan mix (Q1 2026): real estate $54.4M · commercial $45.8M · consumer $31.1M · securities $37.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 78.7% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Railway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Railway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Railway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Railway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.